(Closed) Bees who have insured rings!!

posted 5 years ago in Rings
  • poll: Do you always wear your insured rings?
    Yes, that's why I have insurance : (31 votes)
    44 %
    Yes, but I still take them off for fear of losing it (sentimental value) : (12 votes)
    17 %
    No, I always take them off when doing iffy things : (22 votes)
    31 %
    No, they are my babies and I treat them that way : (4 votes)
    6 %
    Other (explain) : (2 votes)
    3 %
  • Post # 3
    1508 posts
    Bumble bee

    @Laurenskii:  I have insurance, and I still wouldn’t travel with it to a country I was worried about muggings. I wouldnt wear a fake ring there either- thiefs don’t know the difference when they rob you! That said, I wear it travelling to safer areas.

    Post # 5
    11697 posts
    Sugar Beekeeper
    • Wedding: May 2014

    @Laurenskii:  I have 2 insured rings, my ering which hardly ever leaves my finger (and when it does it’s safely in its box – it hasn’t gone to the beach yet, not sure how we’ll handle the honeymoon) the other i hardly ever wear, but I wanted to insure it as it’s no longer in my safety deposit box and I’m paranoid.  I also wanted to be ABLE to wear it should I feel like it. 

    ETA – FH is much more sentimentally attached to THIS ring than I am.  I wouldn’t want to replace it, but I could if I had to.  He wouldn’t let me wear it when we went to Canada’s Wonderland for fear it would come off on the rollercoasters (it hadn’t been properly sized yet and was still a littl big).

    Post # 6
    511 posts
    Busy bee
    • Wedding: August 2015

    Mine is insured and has tons of sentimental value: it was my mother’s and she passed away August 28th of this year.  I wear it always- taking it off only when I put on lotion or hair products. I even wear it when I clean but I always wear gloves and when I do barn chores. My mother always said jewelry is meant to be worn not sit in a safe. So I wear it as she did-always. 

    Post # 7
    4949 posts
    Honey bee
    • Wedding: June 2014

    @Laurenskii:   I voted other.  My ring is insured but I have a stand-in for travel and I take my rings off when preparing meals, doing the dishes, gardening, and showering. Otherwise, I wear it and enjoy it.  🙂

    Post # 8
    4934 posts
    Honey bee
    • Wedding: August 2013

    I don’t wear them to work for hygenic reasons. I also take them off if there’s a chance they’re going to get damaged, like cooking or if we were moving something or doing something that involves power tools. Even though they’re insured, I’m not confident that getting them replaced would be easy. Insurance companies are a huge pain in the ass to deal with in my experience and I’d rather avoid it if I can. That being said, it still needs to be insured just in case. 

    Post # 9
    9954 posts
    Buzzing Beekeeper
    • Wedding: December 2012

    I have insurance (couldn’t imagine not no matter what type of jewellery)

    I rarely take my Rings off.  And when I do I have a specific routine so I won’t lose / misplace them.

    If I am vacationing in Canada or the USA, I wear my rings.  If we are going out of the Hotel at night somewhere “sketchy” or… we are on a Cruise Ship and heading onto an Island for the day, or to the Beach etc, then in either of those scenarios I’ll leave my rings in the Hotel / Cabin Safe

    If we are going on a more adveturous vacation, and staying in a 2nd or 3rd world country, I would leave My Sparkly Rings at home locked up in our Safety Deposit Box at the Bank and just wear my Plain WBand.

    The way I look at it we have Insurance… but that doesn’t mean I have to tempt fate.  Hence why I have a routine for different situations.

    To me the Insurance is more there incase my Rings were stolen, or the stone fell out etc.

    Hope this helps,

    PS… I don’t have a “stand in” per se (except for my Plain WBand) cause I don’t understand the concept of my Sparklies being inappropriate for somewhere… to much attention drawing… and then choosing to wear a Stand In that looks similar, but instead of Diamonds has Czs etc.  It is still going to attract attention… and no bad guy is going to stop and ask me what my ring is before they mug me.  They will see sparkle, they will assume Tourist with diamonds / money

    Mr TTR & I travel a lot… the first thing they tell you about Travel Safety… is to be relatively inconspicuous… don’t flash your money, jewellery, designer stuff etc.  I so that is what I do… I manage my money carefully… and I leave the otherstuff at home.


    Post # 10
    7271 posts
    Busy Beekeeper
    • Wedding: June 2013

    I have insurance and chose not to wear mine. We have spent most of our time on the beach and I would be too scared of losing it to wear it in the water. There have been multiple times where we are just taking a stroll down the beach and randomly decide to take a dip so I’m glad I didn’t bring and wear my rings or I probably wouldn’t have gone on those spur of the moment swims.

    I wasn’t really worried about it getting stolen as the area we are in is no more dangerous than our home, however, I just figured it was best to leave them at home. Even though insurance would replace the rings they still wouldn’t be my original rings (but I’m  sentimental like that).

    ETA: I wore a plain cheap band that I’ve had for ages. I wore it mostly so that I didn’t freak out every time I realized my finger was bare.

    Post # 11
    1218 posts
    Bumble bee
    • Wedding: July 2013

    @Laurenskii:  I take mine off while cleaning, swimming, doing the dishes etc. Only my e-ring is insured though. 

    If you take it with you on holidays, could you keep it in your hotel room safe or your wallet while you’re swimming or at the beach? That’s what I do. Mine isn’t super expensive but there is NO way we could afford to replace it without insurance.

    Post # 12
    1290 posts
    Bumble bee
    • Wedding: June 2012

    I live at the beach and we go every day in the summer so if I didn’t wear them then, I would never wear them. I used to wear a stand in til my Darling Husband (who lost HIS wedding ring the second day we were married at the beach!) reminded me that is why they are insured. The only things I take extra precautions with are my mother’s pieces that I inherited. She passed away in 2007 and I lost a bracelet right off my arm that had belonged to her. Kills me to this day.


    Post # 13
    2808 posts
    Sugar bee
    • Wedding: September 2014

    my ring is covered under the homeowners insurance, as is all of my fine jewelry (i have a string of pearls, pearl earrings, a tanzanite ring, a pearl ring, etc). i don’t have a separate policy.

    i’m going to mexico in january for a wedding. i won’t be wearing my engagement ring. i don’t want it to get beat up because of the sand and the salt, and the chlorine. plus, i’ll be spending half my time in the spa. so i’ll be leaving it at home. i’ll probably buy a cheap cz solitaire and have that with me.

    Post # 15
    2808 posts
    Sugar bee
    • Wedding: September 2014

    @Laurenskii:  that makes sense. i’m picky too, but i’m talking really cheap- for ages, i had a $6 cheapo silver solitaire ring from claires. but it finally fell apart. so i’ll probably just go get another one. either that, or i’ll get something a bit more well made- i hear tradecraft on etsy is awesome for sterling silver cz rings- and keep it for travel purposes.

    Post # 16
    258 posts
    Helper bee
    • Wedding: October 2013

    We just returned from our honeymoon where I had both my rings. We stayed in 7 different hotels and all of them had safes. I left them in the safe while we were out and about during the day and wore them to dinner at night. The e-ring is insured.

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